Affirm Holdings Inc (AFRM) — Cash Flow-to-Debt Ratio
Affirm Holdings Inc (AFRM) has a Cash Flow-to-Debt Ratio of 0.02x as of December 2025, meaning its operating cash flow of $173.74 Million could theoretically repay 0% of its total liabilities ($9.41 Billion) in one year. See free cash flow generation of Affirm Holdings Inc to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Affirm Holdings Inc Cash Flow-to-Debt Ratio (2019–2025)
Historical debt coverage capacity for Affirm Holdings Inc across 7 annual periods. Also explore AFRM net assets growth trend to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for Affirm Holdings Inc (2019–2025)
Year-by-year debt coverage analysis for Affirm Holdings Inc. For market capitalisation and broader financial context, see Affirm Holdings Inc market capitalisation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.10x | $793.91 Million | $8.09 Billion | ▲ +48.1% |
| 2024 | 0.07x | $450.14 Million | $6.79 Billion | ▲ +2960.5% |
| 2023 | 0.00x | $12.18 Million | $5.62 Billion | ▲ +105.8% |
| 2022 | -0.04x | $-162.19 Million | $4.36 Billion | ▲ +55.8% |
| 2021 | -0.08x | $-193.13 Million | $2.29 Billion | ▼ -109.1% |
| 2020 | -0.04x | $-71.30 Million | $1.77 Billion | ▲ +38.5% |
| 2019 | -0.07x | $-92.50 Million | $1.41 Billion | — |